COMMERCIAL AUTO POLICY OR PERSONAL AUTO POLICY??

An area of possible confusion regarding auto policies is what vehicles should be insured on a commercial auto policy and what vehicles are more appropriately insured on a personal auto policy.  It is important to make this distinction in order to be certain coverage IS available for each and every vehicle.

The key questions to be asked are these:

  • Who owns the vehicle?
  • Who drives the vehicle?
  • How is auto used?
  • Does the title match the named insured?
  • Is the business in question a sole proprietorship, corporation or LLC?

Your NAUGHT-NAUGHT AGENCY representative is available to discuss these issues with you to make sure your vehicles ARE covered in case of an accident or loss.